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Proposals to Subsidize Health Insurance for the Unemployed [i] (January 1998)

handle is hein.congrec/cbo06362 and id is 1 raw text is: PROPOSALS TO SUBSIDIZE HEALTH INSURANCE FOR THE UNEMPLOYED January 1998 PREFACE About 19 million workers will be unemployed at some time during 1998, and more than one-third of them will experience at least a month without health insurance while they remain jobless. Several proposals have been developed to fill that gap by providing temporary health insurance subsidies to unemployed workers. This Congressional Budget Office (CBO) memorandum, prepared at the request of the Ranking Minority Member of the Senate Committee on Labor and Human Resources, analyzes some of those options in terms of their cost and policy implications. This memorandum considers two main topics related to the provision of health insurance subsidies. First, it discusses issues in designing such a program, including possible eligibility rules and formulas for deciding the amount of a subsidy. Second, the memorandum presents estimates of the federal costs and performance of a prototypical subsidy plan that is based on recent legislative proposals; it also evaluates how the costs and performance of the program would change as a result of modifying the eligibility rules or subsidy formulas. In accordance with CBO's mandate to provide objective and impartial analysis, this memorandum makes no recommendations. James Baumgardner of CBO's Health and Human Resources Division prepared the memorandum under the direction of Joseph Antos and Linda Bilheimer. Carol Frost programmed the simulation model used to produce the estimates. Amy Weber provided research assistance, and Kathryn Rarick checked the paper for accuracy. A number of people provided helpful comments and suggestions, including Jan Acton, Jim Blum, Doug Hamilton, Christi Hawley Sadoti, Arlene Holen, Jeff Lemieux, Dave O'Neill, Murray Ross, Ralph Smith, Paul Van de Water, Bruce Vavrichek, and Bob Williams. Leah Mazade edited the manuscript, and Ron Moore and Sharon Corbin-Jallow prepared the memorandum for publication. CONTENTS INTRODUCTION DESIGNING A HEALTH INSURANCE SUBSIDY PROGRAM FOR THE UNEMPLOYED * Receipt of Unemployment Insurance Benefits * Low Levels of Family Income Recent Employment-Based Health Insurance Coverage

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